UMB Financial Statements From 2010 to 2025

UMBF Stock  USD 102.36  0.42  0.41%   
UMB Financial financial statements provide useful quarterly and yearly information to potential UMB Financial investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on UMB Financial financial statements helps investors assess UMB Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting UMB Financial's valuation are summarized below:
Gross Profit
1.6 B
Profit Margin
0.2814
Market Capitalization
7.4 B
Enterprise Value Revenue
5.2872
Revenue
1.6 B
There are over one hundred nineteen available fundamental measures for UMB Financial, which can be analyzed over time and compared to other ratios. Active traders should verify all of UMB Financial latest fundamental drivers against the trend between 2010 and 2025 to make sure the company can sustain itself next year. The UMB Financial's current Market Cap is estimated to increase to about 5.8 B. The UMB Financial's current Enterprise Value is estimated to increase to about 5.6 B

UMB Financial Total Revenue

2.28 Billion

Check UMB Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among UMB Financial's main balance sheet or income statement drivers, such as Interest Expense of 1.2 B, Other Operating Expenses of 27 M or Operating Income of 2.2 B, as well as many indicators such as Price To Sales Ratio of 2.58, Dividend Yield of 0.0199 or PTB Ratio of 1.18. UMB financial statements analysis is a perfect complement when working with UMB Financial Valuation or Volatility modules.
  
Check out the analysis of UMB Financial Correlation against competitors.
For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.

UMB Financial Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding51.4 M49.1 M46.9 M
Slightly volatile
Total Assets52.9 B50.4 B27.5 B
Slightly volatile
Short and Long Term Debt Total645.1 M385.3 M1.3 B
Slightly volatile
Total Stockholder Equity3.6 B3.5 B2.2 B
Slightly volatile
Property Plant And Equipment Net237 M204.6 M248.6 M
Pretty Stable
Retained Earnings3.3 B3.2 B1.6 B
Slightly volatile
Cash544.5 M573.2 M2.3 B
Pretty Stable
Non Current Assets Total468.2 M492.8 M8.6 B
Pretty Stable
Other Assets51.8 B49.3 B23.8 B
Slightly volatile
Cash And Short Term Investments544.5 M573.2 M8.1 B
Pretty Stable
Liabilities And Stockholders Equity52.9 B50.4 B27.5 B
Slightly volatile
Non Current Liabilities Total366 M385.3 M2.7 B
Slightly volatile
Other Stockholder Equity571.9 M809.6 M664.4 M
Slightly volatile
Total Liabilities49.3 B46.9 B17.2 B
Slightly volatile
Property Plant And Equipment Gross654.3 M623.2 M399.9 M
Slightly volatile
Total Current Assets544.5 M573.2 M8.2 B
Pretty Stable
Total Current Liabilities420.4 M442.5 M5.2 B
Slightly volatile
Net Receivables446.7 M425.4 M170.7 M
Slightly volatile
Short Term Debt684.4 M1.1 B1.2 B
Slightly volatile
Common Stock Total Equity51.6 M63.3 M53.6 M
Slightly volatile
Common Stock52.3 M63.3 M53.6 M
Slightly volatile
Other Liabilities123.9 M198.8 M137.7 M
Pretty Stable
Accounts Payable204.9 M215.7 M2.8 B
Pretty Stable
Long Term Debt404.6 M385.3 M160.5 M
Slightly volatile
Short Term Investments6.7 B7.8 B7.7 B
Slightly volatile
Intangible Assets43.8 M63.6 M47.7 M
Very volatile
Property Plant Equipment276.7 M303.2 M270.8 M
Slightly volatile
Good Will176.2 M238.5 M192.5 M
Pretty Stable
Net Tangible AssetsB2.7 B1.9 B
Slightly volatile
Retained Earnings Total Equity1.5 B2.9 B1.5 B
Slightly volatile
Long Term Debt Total460.4 M438.5 M166.3 M
Slightly volatile
Capital Surpluse1.1 B1.3 B999 M
Slightly volatile
Long Term Investments17.1 B13.6 B15.6 B
Slightly volatile
Non Current Liabilities Other2.3 BB2.2 B
Slightly volatile
Earning Assets10.3 B13.1 B9.8 B
Slightly volatile
Net Invested Capital3.5 B3.9 B2.8 B
Slightly volatile
Capital Stock44 M49.6 M54 M
Slightly volatile

UMB Financial Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Other Operating Expenses27 M28.4 M317.6 M
Slightly volatile
Operating Income2.2 B2.1 B552.4 M
Slightly volatile
Net Income463.3 M441.2 M237.6 M
Slightly volatile
Depreciation And Amortization35.2 M52.8 M38.2 M
Slightly volatile
Selling General Administrative311.4 M593.9 M427.9 M
Slightly volatile
Selling And Marketing Expenses19.9 M28.4 M22.1 M
Slightly volatile
Total Revenue2.3 B2.2 BB
Slightly volatile
Gross Profit2.3 B2.2 BB
Slightly volatile
Income Before Tax568.3 M541.3 M291 M
Slightly volatile
Net Income Applicable To Common Shares521.3 M496.4 M251.9 M
Slightly volatile
Net Income From Continuing Ops250.4 M441.2 M229.1 M
Slightly volatile
Non Operating Income Net OtherM1.2 M1.3 M
Slightly volatile
Tax Provision66.4 M100 M51.8 M
Slightly volatile
Net Interest Income784.2 MB623.4 M
Slightly volatile
Interest Income1.1 B2.2 B827.1 M
Slightly volatile
Extraordinary Items4.6 M4.9 M13.6 M
Slightly volatile
Reconciled Depreciation34.8 M52.8 M48 M
Slightly volatile

UMB Financial Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow176 M93 M268.1 M
Slightly volatile
Begin Period Cash Flow103.9 M109.4 M1.9 B
Pretty Stable
Depreciation13.3 K14 K43.2 M
Pretty Stable
Dividends Paid113.9 M108.5 M57.2 M
Slightly volatile
Capital Expenditures38.7 M24.2 M42.6 M
Very volatile
Total Cash From Operating Activities88.4 M93 M301.3 M
Slightly volatile
Net Income463.3 M441.2 M238 M
Slightly volatile
End Period Cash Flow116.9 M123.1 M2.2 B
Pretty Stable
Change To Netincome39.5 M56.7 M38.3 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.582.53423.9844
Slightly volatile
Dividend Yield0.01990.01970.0181
Pretty Stable
PTB Ratio1.181.58711.4312
Very volatile
Days Sales Outstanding64.8171.51857.6336
Slightly volatile
Book Value Per Share81.4871.1117214
Slightly volatile
Free Cash Flow Yield0.01610.01690.0849
Pretty Stable
Operating Cash Flow Per Share3.351.90876.5269
Slightly volatile
Stock Based Compensation To Revenue0.01240.01040.0172
Slightly volatile
Capex To Depreciation0.50.530.8528
Slightly volatile
PB Ratio1.181.58711.4312
Very volatile
Free Cash Flow Per Share2.761.90875.6549
Slightly volatile
Net Income Per Share9.59.05155.0012
Slightly volatile
Sales General And Administrative To Revenue0.380.27360.5676
Pretty Stable
Capex To Revenue0.02070.02180.0593
Very volatile
Cash Per Share11.1711.758194
Pretty Stable
POCF Ratio62.0959.128615.7249
Slightly volatile
Interest Coverage3.281.656.7054
Slightly volatile
Payout Ratio0.320.24590.2667
Slightly volatile
Capex To Operating Cash Flow0.06220.06550.1498
Slightly volatile
PFCF Ratio62.0959.128617.4208
Slightly volatile
Income Quality0.20.21091.4655
Slightly volatile
ROE0.07380.12730.0996
Pretty Stable
PE Ratio13.112.468615.0047
Slightly volatile
Return On Tangible Assets0.00650.00880.0085
Very volatile
Earnings Yield0.07450.08020.0705
Slightly volatile
Intangibles To Total Assets0.00840.00540.0104
Slightly volatile
Current Ratio1.01.065.7 K
Pretty Stable
Tangible Book Value Per Share78.9665.5518209
Slightly volatile
Receivables Turnover5.695.10367.6235
Slightly volatile
Graham Number12612072.6605
Slightly volatile
Shareholders Equity Per Share74.6771.111747.3929
Slightly volatile
Debt To Equity0.110.11110.0964
Pretty Stable
Capex Per Share0.610.50.9045
Pretty Stable
Revenue Per Share46.7644.535521.6232
Slightly volatile
Interest Debt Per Share33.531.907310.3775
Slightly volatile
Debt To Assets0.00950.00760.0075
Pretty Stable
Short Term Coverage Ratios0.40.43357
Slightly volatile
Price Earnings Ratio13.112.468615.0047
Slightly volatile
Operating Cycle64.8171.51857.6336
Slightly volatile
Price Book Value Ratio1.181.58711.4312
Very volatile
Dividend Payout Ratio0.320.24590.2667
Slightly volatile
Price To Operating Cash Flows Ratio62.0959.128615.7249
Slightly volatile
Price To Free Cash Flows Ratio62.0959.128617.4208
Slightly volatile
Pretax Profit Margin0.220.24930.3835
Slightly volatile
Ebt Per Ebit0.380.230.6065
Slightly volatile
Operating Profit Margin0.661.130.6744
Slightly volatile
Effective Tax Rate0.280.18480.2163
Slightly volatile
Company Equity Multiplier9.1314.541811.614
Pretty Stable
Long Term Debt To Capitalization0.06860.10.0637
Pretty Stable
Total Debt To Capitalization0.0950.10.0785
Slightly volatile
Return On Capital Employed0.04640.04890.0264
Slightly volatile
Debt Equity Ratio0.110.11110.0964
Pretty Stable
Ebit Per Revenue0.661.130.6744
Slightly volatile
Quick Ratio1.01.065.7 K
Pretty Stable
Dividend Paid And Capex Coverage Ratio0.810.85763.0937
Very volatile
Net Income Per E B T0.610.81520.7968
Very volatile
Cash Ratio12.4613.121.6 K
Pretty Stable
Cash Conversion Cycle64.8171.51857.6336
Slightly volatile
Operating Cash Flow Sales Ratio0.04070.04290.4845
Pretty Stable
Days Of Sales Outstanding64.8171.51857.6336
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.550.850.8207
Very volatile
Cash Flow Coverage Ratios0.230.24159.8995
Slightly volatile
Price To Book Ratio1.181.58711.4312
Very volatile
Fixed Asset Turnover11.1410.60884.2764
Slightly volatile
Capital Expenditure Coverage Ratio16.615.818.9399
Slightly volatile
Price Cash Flow Ratio62.0959.128615.7249
Slightly volatile
Debt Ratio0.00950.00760.0075
Pretty Stable
Cash Flow To Debt Ratio0.230.24159.8995
Slightly volatile
Price Sales Ratio2.582.53423.9844
Slightly volatile
Return On Assets0.00640.00880.0084
Very volatile
Asset Turnover0.05160.04310.0403
Slightly volatile
Net Profit Margin0.180.20320.3119
Slightly volatile
Gross Profit Margin0.740.840.9153
Slightly volatile
Price Fair Value1.181.58711.4312
Very volatile
Return On Equity0.07380.12730.0996
Pretty Stable

UMB Financial Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap5.8 B5.5 B3.3 B
Slightly volatile

UMB Fundamental Market Drivers

Forward Price Earnings10.8578
Cash And Short Term Investments573.2 M

UMB Upcoming Events

30th of January 2024
Upcoming Quarterly Report
View
23rd of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
30th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About UMB Financial Financial Statements

UMB Financial stakeholders use historical fundamental indicators, such as UMB Financial's revenue or net income, to determine how well the company is positioned to perform in the future. Although UMB Financial investors may analyze each financial statement separately, they are all interrelated. For example, changes in UMB Financial's assets and liabilities are reflected in the revenues and expenses on UMB Financial's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in UMB Financial. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue2.2 B2.3 B
Cost Of Revenue85.4 M73.6 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.27  0.38 
Capex To Revenue 0.02  0.02 
Revenue Per Share 44.54  46.76 
Ebit Per Revenue 1.13  0.66 

Currently Active Assets on Macroaxis

When determining whether UMB Financial is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if UMB Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Umb Financial Stock. Highlighted below are key reports to facilitate an investment decision about Umb Financial Stock:
Check out the analysis of UMB Financial Correlation against competitors.
For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.
You can also try the Latest Portfolios module to quick portfolio dashboard that showcases your latest portfolios.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of UMB Financial. If investors know UMB will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about UMB Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.677
Dividend Share
1.57
Earnings Share
8.99
Revenue Per Share
32.165
Quarterly Revenue Growth
0.12
The market value of UMB Financial is measured differently than its book value, which is the value of UMB that is recorded on the company's balance sheet. Investors also form their own opinion of UMB Financial's value that differs from its market value or its book value, called intrinsic value, which is UMB Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because UMB Financial's market value can be influenced by many factors that don't directly affect UMB Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between UMB Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if UMB Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, UMB Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.